Meridian Trust FCU RCA (3.07%, $15K)

Requirements for the MaxRewards checking at this 5-star rated Wyoming institution are tiered:

To earn the 3.07% rate, requirements re: 

$1,000 Minimum monthly balance is in checking account only, not all deposits combined.

10 monthly debit card transactions, minimum of $5.00 per transaction 

Minimum of one direct deposit per month

E-statements

Minimum aggregate month-end loan balance of $5,000 or more for all loan balances

 

To earn 1.5%, all of the above, but the loan requirement is dropped.

 

To earn 0.5%, there are no requirements other than the $1,000 minimum monthly balance.